Breaking
CNTraffic diversion measures on national highways during the National Day holidays: ramp closures, high occupancy control and toll adjustmentsPLEscalation of the US-Iran conflict: destruction of tankers and attack on the base in JordanFRTechnical breakdown in the United Kingdom: hundreds of flights canceled at HeathrowITIranian Revolutionary Guards attack US ships and oil tankers in the GulfRUFire at a warehouse in Shchelkovo: a building with an area of 1800 square meters is on fireDESabalenka reached her sixth US Open semifinal in a row and is close to her third titleINTLUS destroys five Iranian oil tankers in retaliation for ballistic missile strikes on Navy warshipCNA car in Wujie Township, Yilan illegally swerved and hit a stone pier. He was arrested for drug-related driving.CNSouth Korea's Sinkyeongju University went bankrupt, and more than 300 international students' tuition fees of 2 billion won have not been refundedCNQiaqia's first Yangbi Walnut Harvest Festival kicks off to jointly promote high-quality development of the industryCNTraffic diversion measures on national highways during the National Day holidays: ramp closures, high occupancy control and toll adjustmentsPLEscalation of the US-Iran conflict: destruction of tankers and attack on the base in JordanFRTechnical breakdown in the United Kingdom: hundreds of flights canceled at HeathrowITIranian Revolutionary Guards attack US ships and oil tankers in the GulfRUFire at a warehouse in Shchelkovo: a building with an area of 1800 square meters is on fireDESabalenka reached her sixth US Open semifinal in a row and is close to her third titleINTLUS destroys five Iranian oil tankers in retaliation for ballistic missile strikes on Navy warshipCNA car in Wujie Township, Yilan illegally swerved and hit a stone pier. He was arrested for drug-related driving.CNSouth Korea's Sinkyeongju University went bankrupt, and more than 300 international students' tuition fees of 2 billion won have not been refundedCNQiaqia's first Yangbi Walnut Harvest Festival kicks off to jointly promote high-quality development of the industry
Newsgather
All StoriesWorldSportsFinanceTechScienceHealthCultureClimatePoliticsSpace
Back央行房貸集中度降至20年新低，專家稱鬆綁房市信用管制有空間
央行房貸集中度降至20年新低，專家稱鬆綁房市信用管制有空間
Developing
自由时报37 minutes agoBusiness1 min readChina

央行房貸集中度降至20年新低，專家稱鬆綁房市信用管制有空間

央行房貸不動產放款

Quick Look

央行統計顯示國銀不動產放款集中度2026年7月降至34.44%，創近20年新低。專家指出房價修正與放款指標雙雙走弱，央行打房理由減弱，第二屋限貸令解禁具合理性，若房市持續修正，央行逐步鬆綁信用管制並非無空間。

AI-generated summary

Why It Matters

央行長期實施不動產放款集中度管制以避免房地產泡沫，近年來房價持續上漲導致放款比重居高不下。近期房價轉弱，放款集中度顯著下降，顯示政策效果逐顯現。

Font size

若後續房市價格持續修正，銀行不動產授信占比也維持在相對低檔，央行逐步鬆綁房市信用管制並非沒有空間。(圖/資料照)

央行最新統計顯示，國銀不動產放款集中度持續下滑，2026年7月降至34.44%，較6月的34.93%再減少0.49個百分點，寫下2006年7月以來近20年新低。專家認為，房價已進入修正階段，加上不動產放款各項指標均低於過往水位，央行持續打房的政策理由正在減弱，第二屋限貸令若進一步解禁，已有其合理性。

馨傳不動產智庫執行長何世昌表示，從目前央行公布的數據來看，國銀不動產放款集中度已降到34.44%，不只是單月下降，更是回到近20年前的水準。他形容，「當房價已經走軟修正，不動產各項放款指標也遠低於標準水位，不動產放款集中度更重重摔落回到20年前，央行打房理由幾近消散。」

請繼續往下閱讀...

他認為，若後續房市價格持續修正，銀行不動產授信占比也維持在相對低檔，央行逐步鬆綁房市信用管制並非沒有空間，其中第二屋限貸政策尤其值得重新檢視，「第二屋限貸令解禁，已然有其合理性」，市場也可能因此迎來下一階段的政策調整。

不過，何世昌也提醒，政策鬆綁與房價修正其實可以同步進行，建商若希望央行加快鬆綁腳步，價格也必須回到市場能接受的水準。他表示，建商應合理調降房價，讓房價持續修正，反而有機會進一步加速央行鬆綁信用管制的步伐。

What to Watch

AI outlook — possibilities, not facts

  • 央行將在未來3個月內檢討並可能調整第二屋限貸政策

    Likely · Within months

  • 若房價持續修正，銀行不動產放款比重將進一步下降，可能觸發央行加速鬆綁信用管制

    Possible · Within months

Open Questions

  • 央行何時會正式宣布鬆綁第二屋限貸令？
  • 建商調降房價的幅度需達到多少才能觸發央行政策轉向？
  • 鬆綁信用管制是否會導致房價再次上揚，形成新週期？

Related Topics

央行
People何世昌
Organizations國銀馨傳不動產智庫
Places臺灣
Topics房貸不動產放款房價修正第二屋限貸信用管制鬆綁政策
This article was originally published by 自由时报.

Related Stories

Uber Eats deepens cooperation with Wangpin Group and launches member connection service
Developing·

Uber Eats deepens cooperation with Wangpin Group and launches member connection service

Uber Eats and Wangpin Group have launched a membership connection service. Consumers can simultaneously accumulate "Crazy Food" membership points and enjoy rewards by ordering Wangpin meals through the Uber Eats App and completing membership binding. Shuangbei is the main consumer market, and Miaoli, Tainan, and Kaohsiung have the highest member connection rates. Shi Erguo and 12mini quick-cooking hot pot are popular order-to-order brands, with Xiangya, Shi Erguo and Qinghuajiao ranking among the top three in terms of membership connection rates. In the first week of launch, on average, one out of every three king product orders was completed. Orders placed before December 31st can enjoy a 1% point reward. In conjunction with the launch of the service, the two parties will launch multi-brand buy-one-get-one-free and member-exclusive discounts until September 22, including a free trial of Uber One, a 15% discount on purchases over 450 yuan, and cross-brand task bonus points and lucky draws.

自由时报
2 min read
RCEP regional trade grew steadily in the first eight months, and the dividends of multilateral cooperation continued to be released
Developing·

RCEP regional trade grew steadily in the first eight months, and the dividends of multilateral cooperation continued to be released

Data from the General Administration of Customs shows that from January to August, the import and export trade between China and the remaining 14 RCEP member states increased by 25.1% year-on-year, a growth rate that far exceeded the national foreign trade average. China-ASEAN trade grew by 20.6%, with five countries, Vietnam, Malaysia, Indonesia, Thailand and Singapore, making outstanding contributions. China-South Korea trade grew by 49.4%, China-Japan trade grew by 13.4%, China-Australia grew by 29.5%, and China-New Zealand trade grew steadily. Xu Ningning, chairman of the RCEP Industrial Cooperation Committee, said that trade growth has benefited from the benefits of tariff reduction and other agreements, and suggested deepening the docking of industrial and supply chains to consolidate and stabilize growth.

中国新闻网
2 min read
CHEP strengthens the resilience of securities core systems and increases maximum processing capacity by more than 30%
Developing·

CHEP strengthens the resilience of securities core systems and increases maximum processing capacity by more than 30%

CHEP Clearing House has completed the optimization of the securities core system, increasing the maximum processing capacity of the system's transaction data by more than 30%, and optimizing the multi-processing structure for securities lending and fixed-term quota business, increasing the efficiency by more than 5 times, and reducing the night accounting maintenance schedule by nearly 40% to cope with the high trading volume of Taiwan stocks with an average daily transaction value exceeding one trillion yuan.

自由时报
2 min read
Hidden rules under Costco’s loose return policy: Returns of more than 50% of purchases will be marked
Business·

Hidden rules under Costco’s loose return policy: Returns of more than 50% of purchases will be marked

Costco is known for its extremely lenient return policy, but employees revealed that if members return at least 50% of the purchased items, they will be flagged internally. Abuse of returns, such as returning patio furniture or Christmas trees, may result in membership cancellation. Returns are directly linked to member accounts, allowing Costco to track purchase and return patterns.

自由时报
2 min read
Taozhumiao Branch recommends Mid-Autumn Festival souvenirs from local civil society groups that combine local resources and charity.
Developing·

Taozhumiao Branch recommends Mid-Autumn Festival souvenirs from local civil society groups that combine local resources and charity.

The Taozhu Miao Branch recommends the Mid-Autumn Festival souvenirs produced by local civil groups such as Taoyuan Plateau Community Development Association's "Ai Life 3-piece Gift Box", Xinpu Nanping Community Development Association's "Pear Township Affectionate Egg Yolk Crisp Gift Box" and Miaoli Private Kindergarten's "Moonlight Good Fruit-Comprehensive Rice and Cracker Sharing Gift Box". They combine local natural mugwort, salted egg yolk red bean paste and a variety of salty and sweet rice crackers to convey Mid-Autumn reunion blessings and support the employment of disadvantaged groups and the development of local industries.

自由时报
2 min read
Taihong’s stock price fell by more than 21% from its historical high, and the subject of PTFE materials cooled down
Developing·

Taihong’s stock price fell by more than 21% from its historical high, and the subject of PTFE materials cooled down

The stock price of Taihong (8039) surged to a historical high of 364 yuan in August because PTFE material was expected to replace fiberglass cloth. However, market analysis pointed out that PTFE can only partially replace fiberglass cloth, and the consolidated revenue in August dropped both yearly and monthly. The stock price fell by more than 21% from the high point, and is currently trading at 285 yuan. Foreign investors have sold 11,400 pieces in the past five days.

自由时报
1 min read
More on this topic央行